Pagamentos PHP
sem dor de cabeça

use IsraelNogueira\PaymentHub\PaymentHub;
use IsraelNogueira\PaymentHub\Gateways\FakeBank\FakeBankGateway;

// Sem persistência (memória)
$gateway = new FakeBankGateway();
$hub     = new PaymentHub($gateway);

// Com caminho customizado de storage
$gateway = new FakeBankGateway(storagePath: '/tmp/meus-testes');

/storage/fakebank/
├── transactions.json
├── customers.json
├── tokens.json
├── wallets.json
├── subscriptions.json
├── sub_accounts.json
├── escrows.json
├── payment_links.json
├── refunds.json
└── transfers.json

$storage = $gateway->getStorage();

$tx       = $storage->get('transactions', 'FAKE_PIX_abc');
$all      = $storage->getAll('customers');
$approved = $storage->find('transactions', ['status' => 'approved']);

$storage->clear('transactions'); // limpa um tipo
$storage->clearAll();             // limpa tudo

$response = $hub->createPixPayment($pixRequest);

$qrCodeId = $response->rawResponse['qrCodeId'] ?? null;
$pixKey   = $response->rawResponse['pixKey']   ?? null; // copia e cola
$expireAt = $response->rawResponse['expireAt'] ?? null;

$balance = $hub->getBalance();
echo $balance->balance;          // saldo total
echo $balance->availableBalance; // disponível
echo $balance->pendingBalance;   // pendente

$transfer = $hub->transfer($transferRequest);

$pixId      = $transfer->rawResponse['pixId']      ?? null;
$e2e        = $transfer->rawResponse['e2e']        ?? null; // ID end-to-end do Bacen
$executedAt = $transfer->rawResponse['executedAt'] ?? null;

use IsraelNogueira\PaymentHub\DataObjects\Requests\PixPaymentRequest;

$request = PixPaymentRequest::create(
    amount:           100.00,
    customerName:     'João Silva',
    customerEmail:    'joao@teste.com',
    customerDocument: '12345678900',
    description:      'Pedido #1234'
);

$response = $hub->createPixPayment($request);

echo $response->transactionId; // FAKE_PIX_xyz789
echo $response->status->value; // 'approved'

// QR Code e Copia e Cola
$qr  = $hub->getPixQrCode($response->transactionId);
$txt = $hub->getPixCopyPaste($response->transactionId);

use IsraelNogueira\PaymentHub\DataObjects\Requests\CreditCardPaymentRequest;

$request = CreditCardPaymentRequest::create(
    amount:           250.00,
    installments:     3,
    cardNumber:       '4111111111111111',
    cardHolderName:   'JOAO SILVA',
    cardExpiryMonth:  '12',
    cardExpiryYear:   '2028',
    cardCvv:          '123',
    customerEmail:    'joao@teste.com',
    customerDocument: '12345678900'
);

$response = $hub->createCreditCardPayment($request);

// Tokenizar cartão
$token = $hub->tokenizeCard(['number' => '4111...', 'holderName' => 'JOAO', ...]);

// Pre-autorização
$hub->capturePreAuthorization($transactionId);         // total
$hub->capturePreAuthorization($transactionId, 100.00); // parcial
$hub->cancelPreAuthorization($transactionId);

use IsraelNogueira\PaymentHub\DataObjects\Requests\DebitCardPaymentRequest;

$request = DebitCardPaymentRequest::create(
    amount:           89.90,
    cardNumber:       '5555555555554444',
    cardHolderName:   'MARIA SILVA',
    cardExpiryMonth:  '08',
    cardExpiryYear:   '2027',
    cardCvv:          '321',
    customerEmail:    'maria@teste.com',
    customerDocument: '12345678900'
);

$response = $hub->createDebitCardPayment($request);

echo $response->transactionId; // FAKE_DC_xyz789
echo $response->rawResponse['card_brand']; // mastercard

use IsraelNogueira\PaymentHub\DataObjects\Requests\BoletoPaymentRequest;

$request = BoletoPaymentRequest::create(
    amount:           150.00,
    customerName:     'João Silva',
    customerDocument: '12345678900',
    customerEmail:    'joao@teste.com',
    dueDate:          '2025-03-15',
    description:      'Mensalidade março'
);

$response = $hub->createBoleto($request);

$url = $hub->getBoletoUrl($response->transactionId);
$hub->cancelBoleto($response->transactionId);

use IsraelNogueira\PaymentHub\DataObjects\Requests\SplitPaymentRequest;

$request = new SplitPaymentRequest(
    amount: 1000.00,
    splits: [
        ['account_id' => 'FAKE_ACC_1', 'percentage' => 70],
        ['account_id' => 'FAKE_ACC_2', 'percentage' => 30],
    ]
);

$response = $hub->createSplitPayment($request);

use IsraelNogueira\PaymentHub\DataObjects\Requests\PaymentLinkRequest;

$request = new PaymentLinkRequest(
    amount:      99.90,
    description: 'Produto XYZ'
);

$link = $hub->createPaymentLink($request);

echo $link->linkId; // FAKE_LINK_abc
echo $link->url;    // URL pronta pra compartilhar
echo $link->status;

use IsraelNogueira\PaymentHub\DataObjects\Requests\CustomerRequest;

$customer = $hub->createCustomer(new CustomerRequest(
    name:           'João Silva',
    email:          'joao@teste.com',
    documentNumber: '12345678900',
    phone:          '11999999999'
));

$hub->getCustomer($customer->customerId);
$hub->updateCustomer($customer->customerId, ['email' => 'novo@teste.com']);
$hub->listCustomers(); // array com todos

use IsraelNogueira\PaymentHub\DataObjects\Requests\SubscriptionRequest;

$request = SubscriptionRequest::create(
    amount:      49.90,
    interval:    'monthly',
    customerId:  'FAKE_CUSTOMER_abc',
    cardToken:   'FAKE_TOKEN_xyz',
    description: 'Plano Premium'
);

$sub = $hub->createSubscription($request);

$hub->cancelSubscription($sub->subscriptionId);
$hub->suspendSubscription($sub->subscriptionId);
$hub->reactivateSubscription($sub->subscriptionId);
$hub->updateSubscription($sub->subscriptionId, ['value' => 59.90]);

$status = $hub->getTransactionStatus('FAKE_PIX_abc');
echo $status->status->label();

// Lista todas as transações
$transactions = $hub->listTransactions();

foreach ($transactions as $txn) {
    echo $txn['id'] . ' - ' . $txn['status'];
}

use IsraelNogueira\PaymentHub\DataObjects\Requests\RefundRequest;

// Estorno total
$request  = RefundRequest::create(transactionId: 'FAKE_CC_abc', reason: 'Solicitado');
$response = $hub->refund($request);

// Estorno parcial
$response = $hub->partialRefund('FAKE_CC_abc', 50.00);

// Chargeback
$hub->getChargebacks(['status' => 'pending']);
$hub->disputeChargeback('FAKE_CB_abc', ['evidence' => ['nota.pdf']]);

use IsraelNogueira\PaymentHub\DataObjects\Requests\WalletRequest;

$wallet = $hub->createWallet(new WalletRequest(customerId: 'FAKE_CUST_abc'));
$id     = $wallet->walletId; // FAKE_WALLET_xyz

$hub->addBalance($id, 100.00);
$hub->deductBalance($id, 30.00);

$balance = $hub->getWalletBalance($id);
echo "R$ " . $balance->balance;

// Transferência entre wallets
$hub->transferBetweenWallets('FAKE_WALLET_1', 'FAKE_WALLET_2', 75.00);

use IsraelNogueira\PaymentHub\DataObjects\Requests\SubAccountRequest;

$sub = $hub->createSubAccount(new SubAccountRequest(
    name:           'Vendedor Teste',
    email:          'vendedor@teste.com',
    documentNumber: '12345678900'
));

$hub->getSubAccount($sub->subAccountId);
$hub->updateSubAccount($sub->subAccountId, ['email' => 'novo@teste.com']);
$hub->activateSubAccount($sub->subAccountId);
$hub->deactivateSubAccount($sub->subAccountId);

use IsraelNogueira\PaymentHub\DataObjects\Requests\EscrowRequest;

$escrow = $hub->holdInEscrow(new EscrowRequest(
    transactionId: 'FAKE_CC_abc', amount: 500.00
));

$hub->releaseEscrow($escrow->escrowId);
$hub->partialReleaseEscrow($escrow->escrowId, 200.00);
$hub->cancelEscrow($escrow->escrowId);

use IsraelNogueira\PaymentHub\DataObjects\Requests\TransferRequest;
use IsraelNogueira\PaymentHub\ValueObjects\Money;
use IsraelNogueira\PaymentHub\Enums\Currency;

$request = new TransferRequest(
    money:       Money::from(500.00, Currency::BRL),
    description: 'Repasse marketplace',
    metadata:    ['pix_key' => 'cnpj@empresa.com']
);

$hub->transfer($request);
$hub->scheduleTransfer($request, '2025-03-15');
$hub->cancelScheduledTransfer('FAKE_TRANSFER_abc');

$balance = $hub->getBalance();
echo "R$ " . $balance->balance;          // 10000.00 padrão
echo "R$ " . $balance->availableBalance;

// Agenda de liquidação
$schedule = $hub->getSettlementSchedule(['date_from' => '2025-01-01']);

// Antecipação de recebíveis
$hub->anticipateReceivables(['FAKE_PIX_abc', 'FAKE_CC_xyz']);

// Análise retorna risk_score aleatório (1-100)
$analysis = $hub->analyzeTransaction('FAKE_CC_abc');
// ['risk_score' => 42, 'status' => 'approved', 'recommendation' => 'approve']

$hub->addToBlacklist('12345678900', 'cpf');
$hub->removeFromBlacklist('12345678900', 'cpf');

$wh = $hub->registerWebhook(
    url:    'https://meusite.com/webhook',
    events: ['payment.approved', 'payment.refunded']
);

$hub->listWebhooks();
$hub->deleteWebhook($wh['webhook_id']);

// Development
BASE_URL     = 'http://localhost:8000/api/v1'
API_KEY      = 'your-dev-api-key-here'

// Production
BASE_URL     = 'https://api.payment-hub.com/v1'
API_KEY      = 'your-production-api-key-here'

// Variáveis compartilhadas: TRANSACTION_ID, CUSTOMER_ID, CARD_TOKEN,
// SUBSCRIPTION_ID, WALLET_ID, YOUR_WEBHOOK_URL

// BB não usa HMAC. Autentica via token fixo no header
// x-webhook-token (PIX) ou Authorization: Bearer (Cobrança)
$handler = new BancoDoBrasilWebhookHandler(
    webhookToken:  $_ENV['BB_WEBHOOK_TOKEN'],
    validateToken: true
);

$handler->onPixRecebido(function (array $event) {
    // $event['txid'], $event['endToEndId'], $event['valor'], $event['pagador']
    Orders::confirm($event['txid'], $event['valor']);
});

$handler->onBoletoLiquidado(function (array $event) {
    Orders::markPaid($event['nossoNumero']);
});

$handler->onUnknownEvent(fn($e) => Log::warning('BB evento desconhecido', $e));

// Endpoint do webhook:
$result = $handler->handle(); // lê php://input + getallheaders()
$handler->respondOk($result); // HTTP 200 rápido (fastcgi_finish_request)

// BofA assina o body bruto com HMAC-SHA256 (header X-BofA-Signature)
// e pode validar IP de origem como camada extra
$handler = new BofACashProWebhookHandler(
    webhookSecret: $_ENV['BOFA_WEBHOOK_SECRET'],
    validateIp:    true,
    allowedIps:    ['198.51.100.10', '198.51.100.11']
);

$handler->onPaymentReceived(function (array $event) {
    // $event['paymentType']: ZELLE | ACH_SAME_DAY | ACH_STANDARD | WIRE
    // $event['amount'], $event['senderEmail'], $event['memo']...
    Ledger::credit($event['accountId'], $event['amount']);
});

$handler->on(BofACashProWebhookHandler::EVENT_PAYMENT_FAILED, fn($e) =>
    Log::warning('Pagamento falhou', ['id' => $e['paymentId']]));

$result = $handler->handle();
$handler->respondOk($result);

$gateway = new ItauGateway(
    clientId:     $_ENV['ITAU_CLIENT_ID'],
    clientSecret: $_ENV['ITAU_CLIENT_SECRET'],
    sandbox:      false,
    certPath:     '/certs/itau-prod.pfx',
    certPassword: $_ENV['ITAU_CERT_PASSWORD']
);